Terms of Service

Last updated: October 9, 2026

These Terms of Service (the “Terms”) are a contract between you and Kacha. They govern your use of the Kacha apps, website, and related services (the “Service”). Please read them together with our Privacy Policy.

1. Who you are contracting with, and acceptance

If you are in Kenya, your contract is with [Kacha Labs Limited] (Republic of Kenya). If you are in Rwanda, your contract is with [Kacha Labs Rwanda Ltd] (Republic of Rwanda). If you are anywhere else, your contract is with [Kacha Labs, Inc.] (State of Maryland, United States). We refer to the relevant company as “Kacha”, “we” or “us”.

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. What the Service does

Kacha lets you:

  • photograph receipts and have the details read from them automatically;
  • earn Kacha Points for qualifying receipt scans and activities;
  • redeem Points for airtime and other rewards in the in-app catalogue;
  • invite friends through the referral programme;
  • view your scan history and rewards activity across your devices.

We may add, change, or remove features. The Service, and the data read from receipts, are provided to help you — they are not financial, tax, or accounting advice.

3. Business, firm, store and manufacturer accounts

Kacha for Business, Kacha for Accountants, Kacha for Stores and Kacha for Manufacturers let an organisation — not an individual shopper — use the Service. These are also governed by the Business & Accounting-Firm Terms, which control for anything specific to them.

4. Your account

4.1 Registration

  • provide accurate information and keep it up to date;
  • keep your sign-in credentials secure and do not share your account;
  • tell us promptly at [email protected] about any unauthorised use;
  • you are responsible for activity that happens under your account.

4.2 Age requirement

You must be at least 18 years old, or the age of majority in your country if that is higher, to use the Service.

4.3 One account per person

Each person may hold one account. Creating or operating multiple accounts — for example to earn extra Points or referral bonuses — is not allowed.

4.4 Suspension and closure

You can close your account at any time from Account → Security → Close account. We may suspend or close your account, and adjust or remove Points, if you breach these Terms, abuse the rewards programme, or use the Service unlawfully — see sections 6 and 7.

5. Your content

5.1 What you upload

You keep ownership of the receipts and other content you upload. You grant Kacha a worldwide, non-exclusive, royalty-free licence to host, store, process, and back up that content, and to read and analyse it, solely to provide and improve the Service as described in the Privacy Policy.

5.2 What you must not upload

  • anything unlawful, infringing, or that you have no right to share;
  • receipts that are not genuine, or that have been altered or duplicated;
  • malicious code, or content designed to disrupt the Service;
  • content that is fraudulent or misleading.

6. Kacha Points and rewards

Kacha Points are a promotional loyalty balance. They are not money and have no cash or monetary value. You have no property right in Points, and Points cannot be transferred, sold, or exchanged for cash.

  • Earning: Points are awarded for qualifying scans and activities, as described in the app and the Kacha Points & Rewards Terms. Only genuine, readable, non-duplicate receipts qualify.
  • Expiry: Points expire if your account has no earning or redeeming activity for 12 months; we will give you advance notice before they do.
  • Redemption: Points can be redeemed for airtime and other rewards while stock and offers last. Which rewards are offered depends on the country you are in, and redemption may not yet be available in yours; Points you earn are kept and still count when it becomes available. Rewards are subject to the terms of the provider who supplies them, and to availability.
  • Adjustments and clawback: we may withhold, reduce, reverse, or claw back Points — and recover the value of rewards already redeemed — where they were earned through invalid receipts, fraud, multiple accounts, or any breach of these Terms or the Rewards Terms.
  • Programme changes: we may change point values, earning rules, the reward catalogue, or the programme itself, or end the programme, with reasonable notice. Ending the programme may cause unredeemed Points to expire.
  • Taxes: any tax arising from a reward is your responsibility.

The full rules are in the Kacha Points & Rewards Terms and, for referral bonuses, the Referral Program Terms. If those documents conflict with this section, they control for their subject matter.

7. Acceptable use

You agree not to:

  • submit receipts that are fake, altered, duplicated, or not from your own genuine purchase;
  • operate more than one account, or coordinate accounts, to gain rewards;
  • use bots, scripts, or automated methods to interact with the Service;
  • attempt to access systems or data you are not authorised to access;
  • interfere with, overload, or disrupt the Service;
  • reverse engineer or decompile the Service except where the law permits;
  • impersonate others or misrepresent your affiliation;
  • use the Service to break the law.

Breaking these rules — especially receipt fraud or running multiple accounts — may lead to immediate suspension or closure of your account and the loss and clawback of Points and reward value.

8. Intellectual property

The Service, including its software, design, and content (other than your uploaded content), belongs to Kacha and its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our written permission.

9. Third-party services

We rely on service providers for functions such as cloud hosting and storage, receipt data processing, analytics, error monitoring, communications, and airtime redemption. Your use of the Service is also subject to the terms of any third-party reward provider whose reward you redeem.

10. Disclaimers and limitation of liability

10.1 Service “as is”

The Service is provided “as is” and “as available”. We do not guarantee that it will be uninterrupted, error-free, or that scans will always be accurate.

10.2 Data accuracy

Automated extraction can make mistakes. You are responsible for checking the data read from your receipts before relying on it.

10.3 Limitation of liability

To the maximum extent permitted by law, Kacha is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill, arising from your use of the Service. Nothing in these Terms limits liability that cannot be limited by law, including, for users in Kenya or Rwanda, your non-waivable rights under Kenyan or Rwandan consumer and data-protection law.

11. Indemnification

You agree to indemnify Kacha against claims, losses, and reasonable expenses arising from your breach of these Terms or your misuse of the Service, except to the extent the law does not allow it.

12. Changes to these Terms

We may update these Terms. If a change is significant we will notify you through the app or by email before it takes effect. Continuing to use the Service after that means you accept the updated Terms.

13. Governing law and disputes

If you are in Kenya: these Terms are governed by the laws of the Republic of Kenya, and the courts of Nairobi have jurisdiction. Nothing here removes your non-waivable rights under Kenyan law or your right to complain to the Office of the Data Protection Commissioner.

If you are in Rwanda: these Terms are governed by the laws of the Republic of Rwanda, and the courts of Kigali, Rwanda have jurisdiction. Nothing here removes your non-waivable rights under Rwandan law or your right to complain to the National Cyber Security Authority.

If you are anywhere else: these Terms are governed by the laws of the State of Maryland, United States, without regard to its conflict-of-laws rules, and you and Kacha submit to the exclusive jurisdiction of the state or federal courts located in the State of Maryland.

We each agree to try to resolve any dispute informally first by contacting [email protected].

14. General

  • Severability: if any provision is unenforceable, the rest stays in effect.
  • No waiver: not enforcing a provision is not a waiver of it.
  • Assignment: you may not assign these Terms; we may assign them to an affiliate or successor.
  • Entire agreement: these Terms, the Privacy Policy, the Rewards Terms, the Referral Terms and, if you use a Business Service, the Business & Accounting-Firm Terms, are the entire agreement between you and Kacha about the Service.

15. Contact